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5 Biggest Mistakes With Property Taxes In Idaho
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My property tax assessment has gone up 45% in the last 3 years! The crazy thing is the assessment is still too low. Find out why by watch this video, and learn out to avoid the 5 most common mistakes Idahoan's Make with property tax assessments. ALSO, IF YOUR TAX ASSESSMENT IS HIGH YOU ONLY HAVE ABOUT 1 MORE WEEK TO APPEAL IT (3rd Week In Jun is the Deadline To Appeal). Contact your favorite FS Brokers Realtor to get more information or supporting evidence to fight your appeal. You should have received your tax assessment a couple of weeks ago in the mail.
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On November 14, 2016, In The Orphan's Wealth and read 228 times
When my father died, he left a house in the city of Jeddah wherein my brothers now reside; he also left 100,000 Riyals. My mother and my brothers demanded that I build them a bigger house from the inheritance my father left. The only problem is that one of my brothers is still underage, and he doesn't really understand what is happening, except that there is a clear benefit for him. Can we build a house with the inheritance money even though that same underage brother has a share of it?
Tags : yeteem, orphan, maal, wealth, virasat, inheritance
Tags : yeteem, orphan, maal, wealth, virasat, inheritance

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Ranger boats for sale in United States
Ranger VS1882 WT2018Request Price
The Ranger® VS1882WT sets the benchmark for what an aluminum big water boat can be. Wood-free construction, a foam-filled 0.125-inch-thick hull, a wood-free robotically welded aluminum transom with pultruded fiberglass reinforcement, all-welded construction, upright, level flotation and a top-of-the-line Ranger Trail® trailer set the VS1882WT apart from the competition. Every aspect of the VS1882WT is designed for total performance, from trolling to casting to outrunning a squall. Its 96-inch beam and 18-foot, 8-inch length give you the largest fishing area of any Ranger® deep V, and every inch is purpose-built to maximize comfort and efficiency on the water. Underfoot in the cockpit is marine-grade vinyl for a positive grip in the wettest conditions while marine-grade carpet adorns the rest of the boat. Aft flip-down jump seats add either extra seating or deck space when up or down. With a horsepower rating of up to 175 and a bevy of high-end features, the VS1882WT leads the way in aluminum deep Vs. Key Features All-welded, heavy-duty construction for strength and rigidity throughout Three matching fishing seats, driver seat slide Skid-resistant, marine-grade vinyl flooring Wide-open layout for safe and simple rigging Fore and aft aerated livewellsMore…21
Ranger Tugs R-29 S2018Request Price
The Ranger R29 Sedan is another masterpiece of innovation! The more modern styling features a curved front window and an overhead glass atrium that provides exceptional visibility from the helm station and salon area. An ingenious aft cockpit seating arrangement includes a reversible seat, port and starboard jump seats and a teak table for outside dining. The opening cabin bulkhead with reversible seat also provides additional cockpit seating while bringing the outside-in. The Ranger Tug 29S accommodates up to six adults on three separate berths, including the forward island berth with en-suite head. The R29S is powered by a fuel efficient 260 HP Volvo Inboard Diesel engine that is located completely outside of the cabin for quiet cruising. Standard stern and bow thrusters make docking exceptionally easy.More…20
Ranger VS1670 SC2018Request Price
The VS1670SC is a single-console, dual-threat rig. It's large and wide enough to take on swells but can also carry a full load into shallow spawning bays. At nearly 17 feet in length and a full 89 inches across, the VS1670SC can handle a 90-horse outboard and take you and four buddies comfortably into big water. Opting out of a second console makes room for another storage box in its place, complementing the voluminous compartments fore, aft and underfoot. Otherwise, the VS1670SC boasts all the amenities of the dual-console and walk-through 1670s such as forward livewells, marine-grade vinyl cockpit flooring, bow and console power trim switches, and a flush-mounted remote throttle control. The VS1670SC is rigged to dominate right from the factory. Key Features: Nimble handling and economical performance Extra storage box in place of passenger console Port and center rod storage Three matching, premium custom seats Driver seat slideMore…12
Ranger VS1670 DC2018Request Price
Whether you're just getting into a deep V or have owned several, you've never seen such a capable rig in the 17-foot range. The VS1670DC is easy to tow, and for its price is loaded to the gills with features normally found on larger boats. It comes standard with aerated livewells fore and aft, bow and console trim switches, flush-mounted remote throttle control and a pair of fiberglass consoles. From there, the VS1670DC is yours to customize to your liking, be it the outboard of your choice up to 90 horsepower or an available 80-pound-thrust Minn Kota Terrova with iPilot technology. The wave-slicing hull cuts through water and the 89-inch beam ensures stability when conditions get rocking and rolling. For a 17-foot deep V, fishability in the VS1670DC is second to none. It's nimble and its ample storage houses everything you need for a day on the water. Plus, the VS1670DC is smooth, solid and quiet thanks to its foam-filled hull. It garners strength from the wood-free, robotically welded aluminum transom. In any trim, the VS1670DC is capable of holding its own on less-than-predictable waters. Key Features: Center-mounted underfoot fuel tank for stability Durable marine-grade carpet Bow trim and navigation switches Lowrance HOOK-4X HDI graph at console Easy-touch switching and flush-mounted throttle controlMore…7
Ranger VS1670 WT2018Request Price
The Ranger VS1670WT is designed to fish farther out and deeper into the season than other comparable boats thanks to its legendary pedigree and construction. This rig comes standard with manufacturing protocols that only 50 years of excellence in boat making can yield. Upright, level flotation and a One-Piece Feel Interloc Construction set the foundation for this platform while plush, durable seats, marine-grade vinyl and carpet, in-deck livewells and gobs of storage throughout set this boat apart. The foam-filled hull offers flotation that exceeds the standards set by the Coast Guard and the smooth ride is owed to the perfectly executed deep V hull. Rigging and fishing is easier with the 89-inch beam and generous deck space. Plus, every Ranger aluminum boat is 100% welded and wood-free. The VS1670WT combines all the features of a larger big water boat into a smaller, easier-to-tow package with unmatched dependability. Key Features: Wide beam and dry hull for increased comfort and fishability Compact size for easy towing and stowing Full-featured helm with flush-mounted graph Dual in-deck livewells 7'6" locking rod storageMore…11
Ranger VS1682 SC2018Request Price
The Ranger VS1682SC is designed to tame swells and rough water like a big deep V, but in a shorter size that's long on legendary Ranger quality. The VS1682SC has a wealth of features built in from the factory that offer unmatched on-the-water comfort, control and performance. Power trim at the console and bow, hydraulic steering, aerated livewells fore and aft and a single fiberglass console are just a few of the standard niceties. From there, a host of options are available to precisely suit your needs. Regardless of how you outfit your VS1682SC, the wide beam offers rock-like stability and ample workspace to play fish and rig gear while the deeper V hull is designed to keep you dry and riding smooth in big water. In lieu of a passenger console, the SC has a storage box in its place. Cavernous storage for tackle and huge wells for live bait ensure that you won't ever be short on gear, while a 25-gallon fuel tank will keep you trolling for hours. Rated up to 115 horsepower, the VS1682SC punches well above its weight — which at roughly 1,500 pounds is easy to tow as well. Key Features: Maximized fishing space and storage Pop-up cleats for snag-free gunnels Large aerated and divided livewell in rear adjacent to baitwell Flush-mounted throttle control Ample storage fore and aftMore…11
Ranger VS1682 DC2018Request Price
The VS1682DC is designed to take on big water with ease and packs a full dose of confidence to carry you through a long day without breaking a sweat. Standard features such as hydraulic steering, dual aerated livewells, bow and console trim controls offer a great starting point while upright, level flotation and foam-filled hull, and wood-free, robotically welded transom offer peace of mind even if you get caught in some weather chasing big smallies. Integrated Lowrance electronics and Minn Kota trolling motor make the VS1682DC an undeniable force on the water that inspires confidence from your first cast until you're ready to put it on the trailer. You'd be hard-pressed to find a more feature-rich boat in the 16-foot class without a Ranger badge on it. Key Features: Cutting-edge deep V hull and layout Rugged, matching Ranger Trail trailer Wide-open layout for efficiency on the water Large list of options to craft your ideal rig Dual fiberglass consolesMore…3
Ranger VS1782 SC2018Request Price
When you're ready to venture farther and test the limits, the VS1782SC has everything you need. At 17' 8", this big-beamed single-console warrior is equipped to take you, your buddies and all your gear deep into open water. With Ranger quality and construction underneath you, you'll be able to focus on finding and fighting fish. The 0.125-inch-thick aluminum hull is filled with foam throughout and combines with the wood-free robotically welded transom to offer an unmatched, solid feel with flotation levels that exceed standards set by the Coast Guard. Rugged vinyl flooring in the cockpit and marine-grade carpet up front are designed to remain functional and attractive for years. The layout of the VS1782SC was designed with comfort and fishability top of mind. A 12-gallon front baitwell and divided, aerated 29-gallon rear livewell are easily accessible while massive storage throughout ensures that you won't have to leave anything behind. Key Features: Wide, stable platform bow to stern Stout fiberglass console Easy-to-clean, skid-resistant flooring Divided, aerated rear livewell; front baitwell Mesh tackle web lining at bowMore…8
Ranger VS1782 DC2018Request Price
From trolling for big 'eyes to casting for slab smallies, the Ranger VS1782DC is designed to dominate in style and comfort. The trio of plush seats can be arranged in a host of positions for however you fish and regardless of what you're after, the VS1782DC's deep V, foam-filled hull and wide beam inspire confidence, even when the wind kicks up the waves. A multitude of intelligently designed storage compartments and angler-centric touches give the VS1782DC the versatility of a Swiss Army knife. The entirety of the VS1782DC is constructed of aluminum; there isn't a splinter of wood in any Ranger deep V. The DC's dual fiberglass consoles add good looks, strength and durability to the design. With horsepower options as high as 150 and cutting-edge construction, the VS1782DC offers you total performance and control on unpredictable waters. Key Features: Stout fiberglass consoles Stainless steel reboarding ladder Ranger Trail trailer Integrated tool and cup holders Three matching seats includedMore…10
Ranger 1880MS Angler2018Request Price
Broad-beamed and ultra solid, the 1880MS Angler offers exceptional performance, fishability and versatility to anglers and families alike. Measuring 18 feet, 10 inches, the 1880 is rated for 200 horsepower and is available with a wide range of precision-matched, factory-rigged outboards. With our exclusive Rite-Track Keel for easier trolling and tracking, an oversized livewell and an abundance of storage, this do-it-all design appeals to hardcore multi-species anglers, while the wide-open layout and new rear jump seats make it equally well suited for family outings. Storage is impressive throughout, with areas tooled into the gunnels for even more room, plus an innovative tackle storage system beneath the passenger console. A gel-coat lined, insulated cooler and huge center rod locker are also integrated below the front deck, while the stern is complete with built-in rod holders. Combined with the added durability and performance of a full-featured Ranger Trail trailer, the 1880MS Angler is built for a world of on-water excitement. Key Features: Broad, stable beam Flush-mounted graph, tool holder, cup holder with trim and navigation switches at bow In-gunnel storage fore and aft Center-mounted vertical rear rod holders Flip-down rear seatsMore…6
Ranger 1652 MPV2018Request Price
Measuring 16' 2" in length, the Ranger®1652 MPV™ is precision-engineered for a world of action on the water. The 77" beam provides an ultra-solid foundation that's smooth, quiet and easy to maneuver. Clad in our super-tough, durable Rawhide™ finish, the 1652's Mossy Oak® Bottomland® camouflage pattern is standard. The layout is pre-wired with heavy-duty 6-gauge trolling motor wiring and the port side includes a rod/gun box that's built into the design, not spot-welded or bolted in. Inside the box, an organizer with individual rod tubes is factory-installed for a clean finish that helps protect your favorite sticks. The spacious front deck is equipped with even more storage below while the wing-shaped aft deck creates a large rear platform. Also at the stern, driver seating can be positioned on either port or starboard locations and the contoured seating in this tiller model is hand built for all-day comfort and support. Key Features Compact size makes for easy towing and stowing Mossy Oak® Bottomland® camo Foam-filled construction for rigidity and safety Wide-open design for maximum utility Custom-fitted, matching upholstery on seatMore…8
Ranger VS1882 DC2018Request Price
In the Ranger® VS1882DC, you can comfortably take your whole family for an outing on the lake without having to sacrifice fishing performance for derby day. The space, amenities and comfort the VS1882DC affords means you'll be equally at home whether you're kicked back on a sandbar or battling rollers with a tourney-winning string in the livewell. The VS1882DC's wood-free construction, foam-filled hull and upright, level flotation offer peace of mind that this Ranger is rock-solid. The performance-minded fiberglass dual consoles and easy-to-read gauges add strength, class and functionality to the design. The fold-down rear jump seats offer more seating when open or deck space when closed and three custom-built, movable seats with premium marine-grade upholstery can be arranged throughout the boat. Key Features Dual fiberglass consoles Massive interior Upright, level flotation Wood-free, foam-filled construction Roomy cockpit and front deck Matching SRS Soft-Ride Seating®More…10
Ranger VS1882 SC2018Request Price
A big V, big beam and big outboard get you to the fish faster and farther away more comfortably, and the VS1882SC is made to deliver on all fronts. As Ranger®'s biggest single-console deep V, this rig is ready to take on any conditions all season long. From the convenient layout to the wide array of electronics and trolling motors, you'll be ready to compete anytime and anyplace. The all-welded, wood-free VS1882SC borrows the foam-filled hull technology from Ranger® fiberglass boats for an unmatched One-Piece-Feel that lives up to our Interloc Construction standards while the custom-tailored upholstery, marine-grade vinyl cockpit flooring and carpet shrug off slime and grime. The angler-centric design of the VS1882SC spills over into the convenient and roomy storage, well-thought-out controls and power options. Regardless of how you outfit this Ranger®, lesser aluminums will be left in your wake. Key Features Wide, stable performance-driven design Flip-down rear jump seats Bow lined with tackle webbing/cargo storage Dual trolling motor batteries Dual aerated livewellsMore…11
Ranger Reata 223F2018Request Price
Get to know the Reata by Ranger 223F, and your family in the process. Built as much for fishing as for air-drying your hair, this model invokes its legendary Ranger heritage with ample gear storage and even more room to fish. With three powder and clear-coated pontoon logs—with two lifting strakes each—and reclining captain's chairs at the front, it does more than get you on the water. It keeps you coming back.More…14
Ranger Reata 220F2018Request Price
Catch and release and swim and float. The Reata by Ranger 220F fills your weekend with nothing and your twelve-gallon, aerated livewells with keepers. Store all of your gear in a 7' 6" starboard, lockable rod box with a built-in organizer. Climb in and out of the water with ease with the 4-step, telescoping boarding ladder. Just remember, eventually you'll have to bring it back to the dock.More…15
Ranger Reata 200F2018Request Price
There's a lot to love about the Reata by Ranger 200F. With all the amenities found on each model in the fishing line in a more compact package, you can hit the water running and never look back. Fold-down tie cleats, a relaxing lounge with drained storage and a luxury, woven cushioned floor are just the beginning. The rest of the rewards are custom-designed to share with your favorite fishing buddies.More…13
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Roche Leads Market Advance
ZURICH -- Swiss shares soared Friday, led by a strong performance for Roche .
The Swiss Market Index gained 2.3%, or 167.4 points, to end at 7448. Traders said volume remained heavy and within this week's range of 3.7 billion Swiss francs to 4.5 billion francs.
Swiss blue chips are mostly in traditional sectors and are viewed as a well-balanced...


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2014: The year the world is taken off life supportWritten by admin on January 5, 2014 – 8:55 pm
On the 18th of December 2013, the U.S. Federal Reserve finally announced it would begin to taper or wind down QE3 – an $85 billion a month shot in the arm to keep the economy afloat after the worst recession since the 1930s.
Starting in January 2014, the Fed will wind total purchases down a notch to $75 billion a month. Depending on how the economy reacts, the Fed will continue to cut in each meeting throughout the year. Fed chairman Ben Bernanke said "If we're making progress in terms of inflation and continued job gains, then I imagine we'll continue to do, probably at each meeting, a measured reduction" in purchases. However, if the economy slows, Bernanke says they will consider skipping a reduction in a meeting or two, or if the economy accelerates could taper a bit faster.
Reactions are mixed. Some believe the Fed will have difficulty removing the stimulus fast enough to prevent inflation, while many others believe the only reason there are signs of growth in the U.S. economy is due to the sheer size of QE3. Take it away, and the unsustainable, fragile economy will quickly falter.
Opinions also vary as to why the Fed has announced the taper. While some believe the U.S. economy is showing good progress. Others some warn QE3 has only served to create more asset bubbles – namely a stock and new housing bubble, but has done little to improve the broader economy and support job growth. And now the Fed needed to act decisively to prevent these bubbles getting much bigger.
The only thing for certain is after such a large and prolonged stimulus, the result to global stability of the tapering will be a wildcard this year – Anything could happen.
China Economic Growth Model "Unsustainable" – Deputy Finance Minister Wang Bao'an
The other global wildcard for 2014 is China and has far greater implications for Australia. Last year we raised the question if the second stage of the GFC would be made in China and if WMPs would replace CDOs as the buzz word in this crisis. (GFC2 – Will it be made in China? – June 30th 2013)
At the time, a credit freeze in China had caused the Shanghai Interbank Offered Rate (Shibor) – a measure of the cost of commercial banks to lend to each other, to surge. After a couple of days of abstaining, the People's Bank of China (PBoC) was forced to intervene and inject liquidity into the market. Only two weeks prior, ratings agency Fitch warned China's credit bubble was now unprecedented in modern world history.
In the days before Christmas, and not long after the Fed taper was announced, it was happening again with lending benchmark rates hitting the highest levels since the June crisis. Once again, the PBoC came to the rescue injecting 29 billion Yuan to provide short term relief. Minsheng Securities Macroeconomics analyst, Zhang Lei told the Global Times "The cash injection can only ease the problem in the short run, Banks will face tight liquidity until mid-2014, as an increasing number of financial instruments will be maturing in the first half of next year."
The concern is a plethora of loans taken out by State owned Enterprises (SoEs) to fund public infrastructure and real estate investments, many empty or under utilised and with low returns – if at all. The projects are an attempt to keep economic growth chugging along, but at some stage the debt must be refinanced.
In an rare and unusual stand, China's Deputy Finance Minister Wang Bao'an wrote an article in the latest issue of Qiushi, a bi-monthly political theory periodical of the Central Committee of the Communist Party of China saying China's current economic growth model is "unsustainable." He described the Chinese economy as "high input, high resource consumption, high pollution, high growth" with "low output, low efficiency, low profit, low tech".
In a recent column for the Project Syndicate website, billionaire investor George Soros believes the biggest risk in the World Economy now is China – you can forget the USA. No doubt we will see more in this space as the year progresses.
Back home, trends are somewhat clearer barring any external shocks. The Australia Dollar is expected to continue falling this year resulting in broad price increases on imports. The RBA said it will be comfortable with 85 cents. One of the world's largest investment firms, BlackRock, believes the dollar could fall to 80 cents this year (Aussie dollar headed for US80¢ with RBA to cut rates again, says BlackRock – SMH.) A crisis in China could push it below 80.
After an approximate 15 per cent fall since April, already we are starting to hear the odd whinge about petrol prices at $1.65 litre. Most Australian's have taken the overpriced Australian dollar for granted without a second though – cheap petrol, cheap electronics, cheap apparel even cheap overseas holidays. The depreciating dollar is coming as a shock. It's not so much of a case of prices are getting expensive, but a case that prices were abnormally cheap and are just returning to where they should have been had we not had a resource boom. In December, we quoted from Professor Ross Garnaut's latest book – "No developed country has experienced as large a sustained appreciation in its real exchange rate as Australia has through the China resources boom," "In turn, this means that no developed country has ever successfully worked through such a fall in the real exchange rate and associated contraction of incomes."
The other shock will be income growth or rather the lack thereof. Treasury's chief economist David Gruen told a conference in November last year, "Our estimates say that if we achieve productivity growth similar to its long run average, the next decade will see the slowest income growth in Australia for half a century by a lot." This comes from an expected decline in Australia's terms of trade and is consistent with views from the International Monetary Fund (IMF) and the Australian Productivity Commission. (Slowest living standards growth in 'our lifetimes' – SMH)
The Australian Bureau of Statistics (ABS) Wage Price Index for the September 2013 quarter reported an seasonally adjusted 0.5 per cent increase, the second lowest increase since the introduction of the Index in 1997. Over the year to September, wage growth was 2.7 per cent, the lowest annual rate since 2000 (Tech Wreck).
Late last year an Organisation for Economic Co-operation and Development (OECD) report (House prices, labour costs leave economy vulnerable: OECD – AFR) showed Australia had the largest appreciation in relative unit labour costs in the OECD effectively putting Australia at a competitive disadvantage to the world. This coupled with the high cost of living and constrained discretionary spending from Australia's housing bubble (High housing costs make Australia's economy uncompetitive – ABC) and household debt overhang is expected to see unemployment continue to accelerate this year.
All eyes will also be on the May budget after the Mid-Year Economic and Fiscal Outlook (MYEFO) showed a substantial deterioration in the domestic economy. During the boom years, Australia's wealth was squandered on various tax relief's. Cuts will now need to be made placing Australian households under even more pressure.
Finally, there seems little scope for double digit house price growth the experts are once again predicting (annual tradition around the holiday period). As per the Australian headline, House prices [are] at the mercy of the budget (outside of an external shock). In the article, Dr Andrew Wilson talks some sense, "Nothing will stop a housing market quicker than a declining business cycle and that's certainly what we have the prospects for in NSW and Victoria," "Rising unemployment will cause lower wage growth, which reduces the capacity of buyers to borrow."
What are your predictions for 2014?
» Slowest living standards growth in 'our lifetimes' – The Sydney Morning Herald, 21st November 2013.
» Low wage growth, job fears hold inflation down – The Australian, 18th November 2013.
» Aussie dollar forecast to fall to 80 cents in 2014 – The ABC, 31st December 2013.
» U.S. and China: When the giants unwind Commentary: Withdrawal of stimulus could well cause a fresh crisis – Market Watch, 30th December 2013.
» Vice-minister calls for new economic growth model – China Daily, 3rd January 2014.
» China tries to deal with its mountain of debt – The Sydney Morning Herald, 30th December 2013.
» House price growth at mercy of budget – The Australian, 1st January 2014.
» China move calms credit concerns – The BBC, 24th December 2013.
Posted in Australian Economy, Australian Housing, China, United States Economy | 15 Comments »
15 Comments to "2014: The year the world is taken off life support"
belfastdad Says:
January 6th, 2014 at 2:17 am
Unfortunately, my prediction is that Australia will continue to be "lucky" throughout all of 2014.
Househunter Says:
January 6th, 2014 at 7:20 am
I hope it does not stay lucky. We want to buy a house sick of renting we have saved a deposit but we are to scared to buy.
Patrick Says:
January 6th, 2014 at 2:14 pm
Nup. My guts say it's all a ponzi and it's about to become custard.
escape artist Says:
January 6th, 2014 at 5:03 pm
Australia is bad right, every one who didnt buy before the market went crazy, before the carbon tax, before 10% gst ontop of state and federal taxes when the gas bills were cheap SHOULD KNOW that.
Well i got the hell out of dodge!
I went to thailand. The LOS land of sin, or some like to call it the land of scams. Well its the land of free market capitalism for me.
The dont scam you every one is trying to sell you something, if you pay to much its your dumb luck for not negotiating properly.
I had to renew my police state ID booklet today at the australian embassy, it cost me over 10000 baht, my thai friends nearly fell over when the hear that.
I pay monthly 2000b rent, that is 63 dollars australian!!!
When you buy a phone here you hand over the money, and they hand over the phone, no police state involvment.
When you rent a house here you hand over the money they give you the keys [well that was my house any way].
When you buy gold, you hand over the money and they hand you the gold end of story. no govt anti money laudroudaosdhflaskjd fh;asdfh ;alsdk bullshit!!!
F__K u australia , so so so so much, f__k u australians even more
i just worry because the thais think govt is the answer to things too, the whole world is getting sicker
it will either end in run away interest rates or run away inflation one country after another
Matty Says:
January 6th, 2014 at 5:57 pm
@ Escape artist:
Agreed re: interest rates or inflation: But it wont be lead by the RBA. It will (eventually) lead by the market due to loss of faith in the government and our dollar.
I think domestically the Aussie economy will continue to see ridiculously tough conditions. Previous recessions were short and sharp, but this has been dragging on for well over 3 years for most business owners: Out of my circle of friends I am the only one remaining: The others have pursued government jobs: too hard to be self employed (even the cash economy has slowed to a trickle).
China: agreed, massive wild card:
USA: massive wild card: Massive stock market bubble eg. Tesla cars valued at 600 times earnings…….Who wants to wait 600 years to get their investment back: To all the tesla bulls I say "really? you want to bet on a start up, rather than Toyota who took prius from concept to release in 12 months or less?"
Property is anyones guess: Fundamentally it will crash at one time. Practically though, it's still rising: Even here in Adelaide you should see the looks I get from people when I respond to the old 'When are you going to buy?'
My response of 'I'm not paying half a million bucks for an average POS house in Adelaide: Maybe in London or New York, but not in Adelaide' Most look at me with confusion that says "what are you on about" The other half just tune out.
As for import prices. What a laugh: From a rural back ground, I don't understand how petrol can be said to be expensive! $70 of petrol gets me to and from my parents over 3 hrs away. I'll gladly trade $70 vs 6 days bike riding, or 100hours of walking etc.etc.
In fact, if fuel wasn't so damn cheap, then half of the worlds financial mess would be fixed! If it cost $6,000 to get a car here by boat, rather than $200 then maybe, Nissan, Mitsubishi, Holden, Toyota would still be building cars here……. May be if phones cost $300 to get to Australia, rather then $10 we would be building phones here?…..See? Fossil fuels are cheap! Cheap I tell you. Put $100 in your car and it will go all day: Spend $100 on an employee and see what you get…2, maybe 3 hours tops……
I guess, another major wild card that no one is speaking of is the middle east, we still see Syria at war, Afghanistan will almost certainly collapse. A good fuel spike would be a surprise for most.
I remember a documentary (I think it was addicted to money) that said due to the fiat world currency the GFC would see the end to the mostly world wide peace experienced over the last 30 years….That has proved to be correct. Most Australian's have no idea that even in Europe (spain, italy, france, greece etc) there have been VIOLENT protests, massive destruction of property and personal financial wealth.
We now see a federal government in chaos, with the budget: The desire to do away with bulk billing is purely and simply aimed at relieving the budget pressure in 5/10/15 years. Someone whispered in the conservatives ears about what is in store: and it's no fun for anyone.
Anyways: Happy New Year! lol
Chockolate Says:
January 7th, 2014 at 4:15 pm
I left Italy 2.5 years ago because the economy was going down the toilet. My big gripe with things over there was that you needed government permission to do ANYTHING, and it was highly inefficient (plus expensive), though on the plus side officials frequently turned a blind eye to things because people actually matter there. Well here in Australia we are starting to need permission to do anything, but it's relatively efficient, so people tolerate it. Only thing is now on a daily basis you hear of some stupidly draconian law being enforced here. You can now be fined for leaving your car window down to far or taking a foot off the motorcycle peg while riding. What's more, a lot of people think this is a good thing!
I don't plan on moving back to Europe any time in the future, but I'm sure not going to spend half a million on a mediocre house that will have me enslaved by debt for the next umpteen years and locked into a country where free will is actively discouraged.
3s Says:
January 8th, 2014 at 1:36 am
We recently left Australia due to cost of living. (We still earn in AUD, work remotely but at times that are convenient for us)
The cost of good food, medical care, entertainment AND a house here are all more than covered for by the interest only portion of our savings. (We saved to buy a house but it does not make financial sense in Australia any longer).
There is even interest money left at the end of each week! Salaries go untouched into the Savings account which keeps growing.
Regrettably it seems that it is best to treat Aus like a giant mine and export earnings to fund a reasonably priced life elsewhere.
The openness and friendly nature of society here is the cherry on the cake – everyone has time and a buck for a beer. Life is good.
Melbourne JJ Says:
January 8th, 2014 at 6:31 pm
3s – would you mind to tell us where you have found paradise on earth? We might join you…….I could also live from my interest income.
Matty Says:
January 8th, 2014 at 8:25 pm
@ 3s & JJ
Here too, we could live on interest: But ironically (and I bet it was the same for you) our "mortgaged to the hilt" friends look down on us with pity because we 'missed' the property boat.
Funny how living a non-consumer driven life, driving ordinary (and now somewhat old) cars and seeing through the property myth has positioned us as far wealthier than any of our friends…..yet we are looked down upon.
Yet, we can enjoy an expensive meal out (and we do!) without wondering how this will effect our budget….We can take a weekend off anywhere at any cost (and we do!) without wondering how it will be paid for….Our fridge dies and we can pay cash for a bigger one by 10am the next morning (we recently did!)
And yet society says we are missing out because we don't have a place of our own……Wow, the vested interests have played a perfect hand.
Pfffft….I wouldn't be buying at these prices if my sanity relied upon it.
Pete Says:
January 8th, 2014 at 8:46 pm
+1. Apparently because we rent, we don't have a life. I'm in a similar boat – care free, pay cash for anything I want. If I get sick of my job, I just resign. A couple of years ago, I decided to start working four days a week and spend more time enjoying life.
Every now and again you talk to a property investor and their desires one day in the distant future, to live off their properties. I say, yeah it's great to have that passive income and work part time. Then they ask how many properties I have? My response – none, I rent!. There is utter silence – they don't know what to say. They can't understand how you can set yourself up for life without leveraging up into the property market.
Master Yoda Says:
January 8th, 2014 at 10:15 pm
Forgive me for sounding alarmist here, but i see storm clouds ahead for the Australian economy.
Every week, we hear media reports of either companies closing down, downsizing, or moving offshore (due to Australia's high wage structure and mountains of red tape), and the mounting job losses that comes with this. Manufacturing in Australia is virtually dead, retail is getting smashed by on line trading, the mining boom is coming to an end and there's no job security any more.
So basically Australia's economy is based on property speculation (aka a ponzi scheme), and what we dig out of the ground, and that's about it
It's often said Australia is the "lucky country", and it many respects it still is, but luck is a finite resource, and it evetually runs out.
Matty Says:
January 9th, 2014 at 9:50 am
@ Pete:
It's great to have passive income.
How many properties do you have?
None, I rent…..
Haha, pure gold. I can see their faces. Of their expression, 1/3 says "what?", 1/3 "how" and the remaining 1/3 says "he's talking rot".
Einstein said compounding interest is the great human invention, and it's not by chance that the worlds richest group of companies (ie. banks) use this exact principle against the working class.
Chockolate Says:
January 9th, 2014 at 11:42 am
@Master Yoda, did you see Qantas's rating is now junk? There's your grim news for the week right there!
But let's not panic though. Retail isn't actually getting smashed by online trading, it's being hammered by real estate prices combined with expensive wages and a public with less disposable income (due to expensive housing no less). In fact a lot of stores are buying stuff online and selling it on.
And strictly speaking property cannot be a ponzi scheme because property always has some value. That value SHOULD be determined by the markets, but market forces aren't allowed to do their thing in Australia.
But yeah, we are probably going to have a lost decade or two.
Iceyone Says:
January 9th, 2014 at 2:01 pm
Matty/Pete – We're in the same boat.
We have a fantastic lifestyle, without worrying about budgets , pay cash for everything (including 2 x bmw's) and enjoy life a lot more than my mortgaged to the hilt/can we afford to go out tonight/I have 500k in debt friends.
They look down upon us, and yet our lifestyle is better. If I lost my job tomorrow it wouldn't matter – we could quite comfortably live off our savings for 5 years.
I feel sorry for one friend – he just bought a house (600k), has a 1 year old baby and just lost his job. He'll either have to go bankrupt (his severance was 4 weeks) or find a job quick smart.
When it comes to buying a house – they can count me out!
Outa here Says:
January 9th, 2014 at 4:07 pm
I returned to Australia 7 years ago after a 7 year stint overseas. Was on the verge of becoming a real estate agent (received job offer and was a week off starting the REIWA course). However, it seemed at the time I was the only person who thought the property boom would not continue and I didn't want to make a living from convincing people to buy property when I actually think it's a bad idea so pulled out.
Obviously the boom didn't keep going like everyone thought it would at the time, and although I have been close to buying a property several times I never went through with it. I preferred to wait until I thought the prices would be sustainable.
We're now at the worst case scenario for me – the median price in WA has gone up to a record high of $515K yet the economy is showing absolutely no sign of being in shape to support high prices moving forward, yet we're still receiving pressure to buy. When I say pressure, I mean the "see, I'm right, can't you see prices are still going up as we've told you all along" kind of attitude.
It's strange to think that I'm the only one that has been seeing cracks forming for so long but at the same time doubting myself because apparently I've been wrong. Very frustrating, planning to stick it out for one more year and leave the country again if this continues.
Kudos to this site though for publishing articles that are gold.


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"This time, like all times, is a very good one, if we but know what to do with it." — Ralph Waldo Emerson
About Me
- michelle
- Sometimes I dance around the living room with one hand waving free...
"With all its shame, drudgery and broken dreams, it is still a beautiful world…Be cheerful. Strive to be happy."
Friday, October 17, 2008
Sorry to Keep you waiting
I mean maybe I could write about my crazy ex who just recently started calling me and texting me again, but I reminded him that even though I have little to rate him against, he WAS the worst kisser I ever had to kiss and there is no need for him to continue calling me...but then, he might come across my blog and be offended and I wouldn't want to hurt the fragile male ego right....
so hmmm...
Dear Crazy Lady,
Seriously..you do laundry EVERY DANG DAY...that's suppose to be for both our apartments.. What, I'm suppose to ask you if I can wash a few loads? No, I don't think I want to do that...what, do you only have one outfit, do you HAVE to do wash everyday..think about the water you are wasting for a minute....does your dang dog pee on stuff? Why the heck are you doing laundry EVERY FREAKING DAY? AND a better question is, why the Heck do you start doing wash at 6 am..for the love of Pete..calm down!!!
Oh and Dear Crazy Lady,
Stop being mean to the nice old man next door. He's SPECIAL, like SPECIAL, and YOU of all people have the gall to call him crazy? HAVE YOU LOOKED IN THE MIRROR?! He's a sweet old man who plays red light green light with the little kids across the street...he likes the green otter pops in the summer and he calls me kido.. He's sweet..and kind and has the mental capacity of a nine year old ... You are a day pass crazy and have the nerve to be mean to him... Well, I have his back and I just won't stand for it.. I don't like you or your ugly dog.... by the way, if your dog continues to howl for hours on end... I might have to suggest you get it's voice box removed...
Have a great day
Side note to Barb and Charlotte, my favorite sisiter in law and my favorite cousin:
now that we're an eternal family...you're stuck with my meanness....I hope that y'all are okay with that.. I love you both so much!!!
** crazy lady doesn't REALLY look like that...but I might post a picture of her ugly dog that is barking RIGHT NOW !! I HATE THAT DOG
8 comments:
- Charlotte said...
Hahahahahaha seriously...when I lived with April and Alicia our 3rd roommate (i don't remember her name--i'm so mean) had the voiceless dog. Now, I'm going to tell you, a voiceless dog CAN wake you up in the middle of the night. If you don't believe me, ask Alicia. I swear it's true. I miss you. I don't think you're mean. Hateful maybe? NO! Haha jk! come back down to dixie man, i know you miss it!
- October 17, 2008 at 10:45 AM
- CJ, the Purple Diva said...
Girlfriend...you crack me up! I am SO glad you posted something today. I ALMOST took you off my google reader TODAY because I was like she hasn't posted anything in SO long she isn't going to now.
LOL...BOY am I glad I didn't!
Your ex about kissing is HYSTERICAL! LOL
I love your sense of humor and I know your eternal family loves you to pieces!
Hugs and love from NC! I misses you!
- October 17, 2008 at 11:06 AM
- Krissy said...
LOLOLOL ... Seriously, How I LOVE you Michelle... and since, I'm connected to Charlotte AND you AND the Lepinski's, does that mean I can be an extended part of the family? :)
- October 17, 2008 at 12:40 PM
- Sam said...
I think there is something more sinister going on with this whole laundry thing. It doesn't make sense to do laundry every day, so maybe she's kidnapping people, mutilating them, then washing their clothes. Think about it.
- October 18, 2008 at 8:17 AM
- deanna said...
there is a dog next to mormon church here in Plzen that barks like mad at us as we leave the church on Friday night after playing rough games of Skipbo. The word for spider is pavouk and hotdog is parek. I suggested someone mistakenly put pavouk poison in a parek and feed it to him. Does that make me a bad person?
- October 19, 2008 at 12:49 PM
- Babs said...
I think Charlotte and I both actually really like your mean streak. It's pretty entertaining!!
By the way, I tagged you on my blog :) Can't wait to read your response...
- October 21, 2008 at 10:15 AM
- becky said...
i think you need to MOVE (to SLC)
- October 22, 2008 at 5:20 PM
- Elise and Chad Ashby said...
Hey Michelle! I found your blog from Facebook and I can tell it's going to be one of my favorites to read. I hope you're doing so good. I still miss working with you!
- November 26, 2008 at 5:20 PM
I am the queen and this is my year, and nothing, NOTHING is impossible
Blog Archive
- ► 2010 (44)


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Syrian activists say shelling has resumed in the remaining eastern, rebel part of the city of Aleppo, despite a cease-fire deal to allow for the evacuations of the opposition fighters and tens of thousands of civilians.
Aleppo media activist Mahmoud Raslan says he was reporting for a Turkish agency when a rocket crashed beside him around 10:15 a.m. Wednesday. He shared an audio recording of the explosion with the Associated Press.
The Britain-based Syrian Observatory for Human Rights says an explosion was heard in the rebel-held Saif al-Dawleh district around the same time.
The Russian Defense Ministry says Syrian rebels in the besieged city broke the latest cease-fire deal.
The ministry said in a statement Wednesday that the rebels "resumed the hostilities" at dawn, trying to break through Syrian government positions to the northwest.
The ministry also says the rebels fired at a convoy that was due to depart in the early hours of the day from an eastern Aleppo neighborhood with the rebels who had agreed to be evacuated to the city of Idlib.
Pro-government forces have trapped thousands of civilians and gunmen in eastern Aleppo under a crushing bombardment over the past weeks as they pushed to clear the northern city of the opposition.
The implementation of the deal struck Tuesday to evacuate civilians and rebels from the enclave, signaling a surrender by the opposition, was delayed Wednesday morning.


text: Hi There! I just discovered Triforce MRC and wanted to try it now. It works on my old FAT-formatted 1GB SD Card, but refuses to work on my 8GB SDHC SD Card, the data is exactly the same (I copied it from my old SD to my new) but it still doesn't work. Any idea why? Also, is NTFS support planned? (As I'm not planning to format my disk with any other FS) Thanks


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Robert Boyd, 1st Lord Boyd
Robert Boyd, 1st Lord Boyd (died c. 1482) was a Scottish statesman.
Robert Boyd was knighted, and was created a Peer of Parliament (Lord Boyd) by James II of Scotland at some date between 1451 and 18 July 1454 (the date he took his seat in Parliament). In 1460 he was one of the Regents during the minority of James III. In 1464 he was one of the commissioners at York for a truce with Edward IV of England.[1]
The date of creation of Boyd's title can be further narrowed to between 1451 and 15 June 1452. On the latter date, the King confirmed the charter of Robert Boyd, Lord of Kilmarnock and of Dalry, conveying one-third of the lands of Lynn in Dalry to Robert Boyd [indweller] of Lynn.[2] Only three months earlier, Andrew Lynn in Dalry was described in another charter as Lord of that Ilk, meaning lord of a property of the same name as his family name.[3])
Lord Boyd conspired with his brother, Sir Alexander Boyd, and obtained possession of young James III in 1466. He was then made by Act of Parliament sole Governor of the Realm, Great Chamberlain for life, and Lord Justice General in 1467.[4] Early in that year, he procured the marriage of his eldest son, Thomas, (created Earl of Arran for that occasion) with Mary Stewart, Princess of Scotland, elder sister of James III, which aroused the jealousy of the other nobles[1] and made his eventual downfall inevitable, since King James III regarded the marriage of his sister as an unforgivable insult.
Lord Boyd obtained the cession of the Orkney Islands to Scotland, 8 September 1468, from Christian I, King of Norway, for whose daughter Margaret, he negotiated a marriage with James III. While absent for that purpose he and his son Thomas (the Earl of Arran) and his brother (and coadjutor) Sir Alexander Boyd, were attainted for high treason, whereby his peerage became forfeited. He was living Easter 1480/1, and died before October 1482, it is said, at Alnwick in Northumberland where he had fled in 1469.[1]
James III's biographer sums Boyd up as an unscrupulous political gambler and an inveterate optimist. To forcibly assume guardianship of an underage King was, indeed, a familiar path to power in medieval Scotland, but it was also a dangerous path. Boyd underestimated the dangers, overestimated his support, and made the fatal mistake of marrying his son to the King's sister, an insult the King would not forgive.[5]
Robert Boyd belonged to an old and distinguished family, of which one earlier Sir Robert Boyd, had fought with Sir William Wallace and Robert The Bruce.[4] He was the son and heir of Sir Thomas Boyd of Kilmarnock (died 9 July 1439).[1] Robert married Mariot (or Janet), daughter of Sir Robert Maxwell of Calderwood. She died after 25 June 1472, apparently early in 1473.[1] They had three sons:[6]
- Thomas, Earl of Arran, was in Denmark when his father was overthrown. However, he fulfilled his mission, that of bringing the king's bride, Margaret, to Scotland, and then, warned by his wife, escaped to the continent of Europe. He is mentioned very eulogistically in one of the Paston Letters, but practically nothing is known of his subsequent history.[4]
- Alexander, who became head of the family after the death of James, the son of his elder brother Thomas.
- Archibald of Nariston, and afterwards in Bonshaw. Archibald is recorded as being of Nariston in 1472, but it appears that there was a question over his right to the property and he had lost possession by 1500. In 1502 Archibald and his wife Christian Mure had a lease of Bonschaw and Dririg. He was dead before 4 May 1507, when Christian Mure, his widow, and her sons, paid a year's rent on taking over the lease. She was living 28 January 1523. They appear to have had two sons and' three daughters, one of whom was Marion Boyd, mistress to King James IV and mother of at least two children by him.[6]
- ^ a b c d e Cokayne 1912, p. 260.
- ^ Paul, James Balfour, ed., The Register of the Great Seal of Scotland A.D. 1424-1513, Edinburgh (1882), p. 126
- ^ Shaw, M.S., W.S., Ed., Some Family Papers of the Hunters of Hunterston, Edinburgh (1925), pp. 3-4
- ^ a b c Hugh 1911, p. 353.
- ^ MacDougall, Norman James III Revised edition John Donald Edinburgh 2009
- ^ a b Balfour 1904, pp. 145,146.
- Attribution
- This article incorporates text from a publication now in the public domain: Chisholm, Hugh, ed. (1911). "Boyd, Robert Boyd". Encyclopædia Britannica (11th ed.). Cambridge University Press.
- This article incorporates text from a publication now in the public domain: Cokayne, George Edward, ed. (1912). Complete peerage of England, Scotland, Ireland, Great Britain and the United Kingdom, extant, extinct or dormant (Bass to Canning). 2. London: The St. Catherine Press, ltd. pp. 260,261.
- This article incorporates text from a publication now in the public domain: Balfour, Paul, James (1904). The Scots Peerage; founded on Wood's edition of Sir Robert Douglas's peerage of Scotland; containing an historical and genealogical account of the nobility of that kingdom. 5. Edinburgh: D. Douglas. pp. 145,146.
|Peerage of Scotland
|New title
| Lord Boyd
|Succeeded by
James Boyd


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Last night we had such a New Zealand tasting dinner! Hoki fillets were on special, yahoo. It's a nice, flakey white fish that has a very gentle flavour, not too fishy. Not that I mind fishy. Breaded hoki is my usual meal at the local take away, I'm crazy for it.
I was thinking because it has such a light flavour, it could probably handle very strong flavours in contrast. So I mixed together some strong grainy dijon mustard, a little olive oil, balsamic vinegar, paprika and salt and spread it over the fillets and baked them in the oven. I served them with swiss chard (silverbeet, here) with caramelized onions & roasted peanuts, pickled beets and capers. So much flavour!
We had a filet left over, so I mashed it up with some cream cheese until it was light and airy, smeared it on some pumpernickel with some finely chopped leftover beets and capers. It was a really nice little lunch. Here's a recipe for the spread! It would also be nice with any smoked fish.
Hoki & Dijon Spread
Yield: 1 1/2 cups
Time: 15 minutes
Cost: $2.00
1 filet hoki, cooked
4 tbsp cream cheese
1 tsp grainy dijon mustard
1/2 tsp salt
1/2 tsp vinegar or lemon juice
pinch of paprika
black pepper
Place all ingredients into a medium sized mortar & pestle or food processor. Grind or puree until texture is consistently smooth and airy. Adjust seasonings to taste.


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Linda Samson
Linda Samson studied Fine art at Glasgow School of Art, now lives and works in London. Her work is bold and colourful, mainly figurative. She works in a variety of media, oils, mixed media, etchings and ceramics, exploring ways in which the different media change and develop the theme or subject chosen. This year's show includes examples of her new ceramic tile paintings She has exhibited in London and New York and her work is on permanent display in the Skylark Gallery in the OXO tower, on the Southbank.
78a Broomwood Road
London SW11 6LA
07800 850 578
4/5 and 11/12 October


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**On very rare occasions inventory will run out before the listing is updated. If this ever happens, please be assured that 100% refund will be issued promptly.
ALL BUYERS: PLEASE NOTE THAT WE RESERVE THE RIGHT TO INVOICE BUYERS FOR APPLICABLE SHIPPING DIFFERENCE IF THE SHIPPING CHARGES ARE MORE THAN COLLECTED BY THE eBay SHIPPING CALCULATOR FOR THE METHOD SELECTED.
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Due to the above, we only offer Express Shipping option Worldwide for all non First World countries.
Buyers in first world countries who desire a tracking number for their shipment, must use International Express as their shipping option.
Buyers should be familiar with the restrictions on importation of products i.e. Vitamins & Supplements, food etc. into your country.
International buyers are responsible for any customs/duty taxes levied on imported goods.
We reserve the right to refuse international buyers purchases we deem high risk for reasons that include, but are not limited to, low feedback numbers, poor feedback, suspicion of fraud for your country.
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Once the item is shipped, we, nor eBay or the United States Postal Service have control over delivery to your destination.
Please allow at least 3 – 8 weeks for delivery by your local carrier before making an inquiry about your order.


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Universal Cricket Council (ICC) Cricket World Cup is a worldwide proposal cricket rivalry. ICC world cup is debated by the men's general groups of the individuals from the ICC, the game's worldwide chief body. The match for the most part happens at regular intervals. Countries with Test cricket status more than once fit the bill for the World Cup. Following 1996, somewhere around three and six partner countries have fit to play in the match. Anybody can see Live Cricket from bdlifeline.com. For more info visit ICC Official website.
ICC world cup U-19 world cup cricket
ICC world cup U-19 world cup cricket The ICC World Cup is the worldwide rivalry of One Day International (ODI) cricket. The occasion is composed by the game's driving frame, the International Cricket Council (ICC), [Read More…]


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Corning Museum of Glass, Niagara Falls Adventure Movie, Illumination of Niagara Falls, Whirlpool Park, Old Fort Niagara, Lake Ontario, Niagara River, Jet boat, Maid of the Mist, Niagara Falls. Inclusions: 1 night hotel accommodation, All domestic ground transportation via air-conditioned vehicle
|Double (/Person):
|Third Person
|Child (Age 2-9):
|Fourth Person
|Child (Age 2-9):
Note: *Price in USD is based on the lowest price per person per room over the next 30 days. Exact prices are displayed when you select a date.
*Return time is an estimate and varies based on traffic and weather conditions.
|Corning, NY
|Corning Museum of Glass (Optional)
|Free (Under 17 yrs)
|$16.60 (Over 65 yrs)
|$16.60 (College Student)
|Niagara Falls, NY
|Jet Boat Ride (Optional)
|$66 (3-12 yrs)
|$66 (Over 65 yrs)
|Legend of Niagara IMAX Movie (Optional)
|$8 (3-12 yrs)
|Maid of the Mist (Optional)
|$11.20 (6-12 yrs)
|$19.25 (Over 65 yrs)
|Niagara Falls In-Depth Tour (Optional)
|$20 (3-12 yrs)
|$25 (Over 65 yrs)
The purchase of any travel services represents your acceptance Terms & Conditions set out herein. Please ensure that you read carefully and understand these Terms & Conditions prior to booking.
Booking changes
A fee may be charged for any revision or alteration made to a reservation after the booking is confirmed. Name changes or corrections may be treated as a cancellation and cancellation fees will apply. A change of tour date or tour itinerary may be treated as a cancellation, and normal cancellation fees will apply.
Cancellations and Cancellation Fees
Regardless of reason, cancellations result in costly charges from our travel and hotel providers covering penalties and fees incurred by canceling confirmed and pending bookings. Therefore, cancellation penalties and or fees will apply. Time of cancellation will be determined when notice is received and confirmed by our office. Notice of cancellation must be made directly to Taketours by email or through web mail at Contact Us .
Tour Departure: This tour has 100% guaranteed departure; if the tour is cancelled there will be refund of 120%. Restrictions apply; due to weather conditions, State Emergencies, Airport Closures or anything beyond the control of the tour operator the 120% refund will NOT apply.
NOTE: We cannot grant any refunds more than 30 days after completion of tour.
Itinerary Variations
We constantly strives to improve tour itineraries and features. If such improvements can be made, or unforeseen circumstances beyond our control make changes necessary - we reserve the right to vary itineraries and to substitute hotels. At certain peak periods duplicate departures may operate, and sometimes in reverse order in which case hotels may vary from those stated on the itinerary pages.
Tour Cancellation:
We reserves the right to cancel or re-schedule any tour departure in accordance with operating requirements or circumstances beyond its control. If cancellation is made any time prior to departure* of the tour, Taketours' only liability will be to refund to the passenger the amount it has received for the tour booking. We will try to re-book the same or similar tour.. Please note that we are not liable for any cancellation penalties incurred on any other travel arrangements including air tickets purchased separately from customers.
We are not responsible for any other travel arrangements affected due to our cancellations.
Posted by: Karthika on 2018-08-11
Excellent tour :-) Had a fabulous trip altogether. Our tour guide Levi was extremely good, funny and friendly. Thanks !
Posted by: Shilpa on 2018-07-31
it was good experience.
Posted by: Richard on 2017-07-06
This trip was so amazing. Our tour guide took responsibility for us all the way, took us to so many spectacular view.
Posted by: Leelavinod on 2017-06-19
The trip is more than the money you pay!. The crew basically consists of Tour guide "Yoona" and Driver "Harley" were very nice and customer friendly. Love you guys for the wonderful trip, it was joyful start to end.
Posted by: Ken on 2017-05-03
It's my first time in Niagara falls.We were shocked by its beautiful views.Very much appreciated for the operating company Tinma and also taketours,and thanks to the professional staff,totally worth it ,I would definitely recommend the tour to my family and friends.
Posted by: lala on 2017-04-29
Posted by: MENG on 2017-04-29
It was very nice trip. We saw Niagara Falls twice. First was day view and next day was night view. I loved both of them.
Posted by: AB on 2017-04-19
It was a great experience visiting corning glass museum and niagara falls. Though covering entire niagara fall in a day was bit hectic but it was worth every minute. Truly amazing experience.
Posted by: XY on 2017-04-19
It was a decent tour
Posted by: XY on 2016-10-09
Our tour guide Mr. Kenny Chen is very sweet, responsible, detailed, humorous, and helpful! He made our trip very relaxing even if our bus broke down on the way when we first started. He reacted to issues very fast and treated all tourists with respect and enthusiasm. The hotel is very fancy and quiet (30 min drive from the Fall). Wifi was not very good connected but I had a very good night! Transportation is fine, just get tired by the long ride. We got a new bus, however, my seat is too cozy that made my trip not too comfy. The driver is good except talking over the phone a few times while driving. Due to the bus broke down, our trip was delayed a little bit. But our tour guide and the driver made efforts to not miss every attraction. I wish we have more time at Corning Museum. I like this tour because we got the chance to see both day and night view of the Falls! It's amazing! Btw, I don't like the food court near the Falls, too expensive.


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THE #1 SOURCE FOR #BLACKBUSINESS OWNERS AND URBAN EVENTS. Create YOUR FREE Profile at WWW.BLACKFOLKHOTSPOTS.COM SO WE CAN GET YOUR BUSINESS AND EVENTS IN OUR DAILY ROTATION.
October 6, 2018 from 10am to 2pm – Turf Valley Resort Are you ready to receive your keys to success? Come and join us at the 2018 Uncuffed Women's Colloquium, where you will learn how to become Uncuffed in your business and/or in your personal li… Organized by Caprice Smith | Type: womens conference, baltimore events this weekend, things to do in baltimore this weekend, black owned businesses, black business, baltimore events
October 20, 2018 from 12pm to 6pm – Furley Recreational Center Lady Blue in conjunction with Wmskonlineradio.com and 50 Shades of Blue Baltimore are excited to invite you to our 4th Annual 50 Shades of Blue Domestic Violence Awareness Conference with Master of C… Organized by Arlene R Major | Type: conference
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UFC women's bantamweight champion Miesha Tate strongly believes that she will emerge victorious over Amanda Nunes at UFC 200 and strongly stated that her opponent Amanda Nunes has a weak mind.
In a media luncheon as reported by MMA Fighting, Tate comes out with some sharp jabs for her opponent. She noted that Nunes has not faced an opponent like her and that her mentality is weak, which will cause her to lose in their match. Tate added that Nunes' cardio will be her weakness as the Brazilian is a strong starter and a weak finisher.
"She's never faced anyone like me. I also think her mentality, her mental, that's a big weakness, honestly," Tate said.
Miesha Tate says Amanda Nunes doesn't have what it takes to be a championhttps://t.co/4fkuUb8We9#UFC200 pic.twitter.com/XcvxKTOYnP
— FOX Sports: UFC (@UFCONFOX) July 3, 2016
ALSO READ: Daniel Cormier says beating Jon Jones at UFC 200 will be one of his UFC legacies
Tate also warned Nunes that she will get hit and hurt badly when they meet at the T-Mobile Arena in Las Vegas. Tate explains that Nunes tends to break when she is hurt and added that she will take her either standing or down the ground.
"I don't think that Amanda really likes to get hit. I think she thinks she likes to get it, but I don't think she does. I think she likes to be delivering. And if she's winning, it's great. But when she's not, when she's put in that spot of adversity, she tends to break. I don't even know if it's so much a question of cardio as it is like, how bad does she really want it? So I think there will come a point in the fight where that becomes a question in her mind and it won't be a question in my mind. Wherever we are — whether we're on the feet or on the ground — I'm just gonna take it to her," Tate added.
'UFC 200 Embedded,' No. 3: Miesha Tate gets hypnotized, Jon Jones takes an Uber (whew) https://t.co/jnKGjWlEza
— MMAjunkie (@MMAjunkie) July 6, 2016
Tate has promised that she will not let go of the title anytime soon. She promised that she will beat Nunes as she has prepared well for her. Tate knows Nunes has prepared for her as well and promise that it will be a good solid bout between them. She stressed that if Nunes thinks that she will easily give up then she is wrong. Tate regards Nunes, as a worthy opponent, but never will be a champion.
"I wouldn't put it past me to stand and bang with Amanda, too," Tate said. "I've been getting much more confident on my feet and I don't feel like I need to take this fight to the ground. I think what my goal is in this fight is to break her. That's it. No matter how."
ALSO READ: Mark Hunt toys with Brock Lesnar, says 'if he does not want to be hit, he is in the wrong sport'
Miesha Tate believes she's found a "big weakness" in Amanda Nunes https://t.co/6VvK6B1HiO #UFC200 pic.twitter.com/Zm71XmaUCK
— Nick (@BitaNick) July 5, 2016
The Tate vs. Nunes bout will be part of the co-main event that will feature Brock Lesnar against Mark Hunt while the main event of the night will be for the unification of the light heavyweight title that will have Daniel Cormier taking Jon Jones.
Photo Courtesy: UFC.com


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Checked Blazer + Checked Trousers; Fancy Knit Sweater + Ripped Boyfriend Jeans
Printed Dress (Black/White) + Sandals with Straps; Studio Cropped Shirt + Ripped Jeans
Urban Art Dress + Leather Bio with Jewels; Contrasting Oversized Shirt + Trousers with Paint Marks
These are only a few of my favourite looks and pieces from Zara's most recent Edit. I think my absolute fave would be the chunky Birkenstock-esque sandals, which seem to be a very popular footwear trend for this spring/summer. The men's set can be found here.
Which look would you wear?
Which look would you wear?
Left: Thin Strap Polka Dot Dress; Studio Cropped Shirt
Shop the Looks
[Images taken from zara.com]


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BENEFITING: Madison Area Down Syndrome Society and GiGi's Playhouse - South Central WI
ORGANIZER: Sarah
EVENT: Step Up for Down Syndrome Walk
EVENT DATE: Oct 13, 2012
Sarah Garibay wrote -
We would like to invite you to join our family in raising money for the Madison Area Down Syndrome Society. Many of you helped us last year and you blew us away with your generosity. If you are free on October 13th, we would love it if you joined us for the annual Step Up for Down Syndrome walk.
It is amazing how Ella has changed in 5 yrs. She will start Kindergarten in less than two weeks and is as sassy as ever. Health-wise, she is doing great, but is still lagging on her verbal skills. Sarah and I can't wait until she can tell us what she is thinking because that little girl is always chattering on about something. I just know it is something very important or very hilarious-either way we look forward to the day she can say it clearly.
I have two years left as a board member on the Madison Area Down Syndrome Society (MADSS) and we have some great things planned for our community. This year's walk will be a kick-off for MADSS 's new service programs. The MADSS board is starting down a path of creating an awareness center that will not only offer families a location to meet, but it will also offer programs that are therapeutic in nature, life skill training and literacy classes. This type of center will have a huge impact for all age groups of people with Down syndrome and we are very excited to see how this type of center can impact the community as a whole.
As a side note, it always amazes Sarah and I on how small the Down Syndrome "world" is in Madison. We are constantly running into old friends or acquaintances who have a family member or who knows a friend that has a child with Down Syndrome. Another one of these occurrences happened this week at the MADSS annual picnic. I ran into a guy who lived two doors down from me my freshman year at UW. He and his wife are expecting a child with Down syndrome in October. It was good to see him again, but even more importantly, it strengths both of our families support networks to have another family to share experiences and hardships with as our children grow-up. The Lord works in wonderful ways.
Notes from MADSS:
Please stay tuned as we will have contests almost every week to help inspire your friends, families and co-workers to Support 21! Winners will have the chance to win awesome prizes like trips and an iPad3. Click here to check out early contests, choose a prize and email everyone you know about it.
If you prefer, you can also raise money offline by using this pledge form here.
11th Annual Step Up Walk for Down Syndrome Benefiting the Madison Area Down Syndrome Society
Date and Time: 10/13/2012, 1:30pm.
Location: Monona Terrace, Madison, WI
We'll walk from the Monona Terrace to the State Capitol and back to the Terrace.
Music by The Pool Boys!
We'll have a silent auction, obstacle course, face painting, and much more!
Oh and Bucky Badger is expected!


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I love versatile wardrobe pieces! They are fun to make because you know you'll get a ton of wear out of them and it's like you are taking the time to sew one piece when you really kind of get three. Read on to see which pattern I used…
These patterns are both from the 08/2017 issue, and they share the same pattern PDF. Often similar styles with variations do, that's what I love BurdaStyle patterns because you really get more than one pattern with a purchase! So I saw these styles and how they were worn differently by the models and knew instantly I needed one. I loved the black fabric styling of the Off the Shoulder Shirt and the one shoulder look from the Pink Pullover pattern, but I ultimately followed more of the style lines for the black one since I wanted to convert the hemline into a dress.
I cut the sleeves in a neoprene laser-cut fabric, and then body in a black jersey. I lengthened the pattern only about 2" since the tunic style was already pretty long, and I'm petite so it worked out great! The black jerysey was also a little thin, and I had leftover fabric so I sewed a matching little under skirt for an additional layered hem look at the bottom and for extra coverage. I really love how it turned out. To make the skirt I didn't use a pattern I cut a rectangle of fabric my hip circumference and how long I wanted it and then to taper in the waist I stretch sewed elastic to bring it in.
See below the three ways I can wear this dress…
I like the cowl neckline because it shortens up the dress a little bit to expose the under skirt for that more layered-look. Also being able to wear bra straps is a bonus!
One shoulder is always nice and creates visual interest, and I always feel like a one shoulder style is casually chic and I love it!
It seems like 2017 was really the year of off the shoulder! It is a trendy-yet-elegant style and the jersey fabric makes it comfortable and secure to wear.
Which way do you like this dress the most? Have you ever made a three or two-in-one garment?
Happy Sewing!


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Written by
Matthew Lambert
September 6, 2016 // 11:29 a.m.
Tags: #interview
Companies: #arctic #arctic-cooling
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Retains predecessors' semi-passive mode.
Fans enabled only over 40 percent PWM.
Arctic's dinky i32 costs £30 but offers decent cooling and a passive fan mode.
This new entry-level AIO cooler from Cooler Master costs just £45, but does have its limitations.
Arctic takes shot at the big AIO players with this sub-£50 push-pull 120mm radiator model.
Doubles up on bundled fans.
Artic's new Z2 monitor stand is part of a range that caters for anything up to quad monitors
Want your graphics card to be cooler or quieter? We check out air-cooled and water-cooled options.
We strap Arctic's Freezer 11 low-profile cooler to a modern LGA1155 system
We put 11 third-party graphics card coolers to the test to see which, if any, is worth buying.
© Copyright bit-tech


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39. Brewing intensification—Successes and failures
39. Brewing intensification—Successes and failures
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Technical Session 11: Brewhouse Operations Session
Graham G Stewart
, GGStewart Associates
Co-author(s): James P. Murray, Better Lines Co. Ltd., Galashiels, Scotland
Brewing, similar to most manufacturing industries, has two overlapping primary objectives, namely to brew quality beers in the most efficient and cost-effective manner. Many brewing production stages have evolved together into a more efficient and rapid process, and most stages have resulted in cost savings. Brewing has a long and proud manufacturing tradition, and a major part of this tradition is focused on "a slow cold process." This prolonged processing time largely focuses (but not entirely) upon maturation because "a slow process" usually (but not always) produces consistent palatable beer, but at a cost! Inflation (including labor and management, new materials, utilities, equipment, and real-estate costs) and diverse taxation initiatives have necessitated that brewing companies rigorously examine their overhead (fixed and variable). Research in all relevant areas of the technical aspects of the process has enabled development of more efficient procedures for brewing beer with consistency, drinkability, quality, and stability. Although much of this research and development in process efficiency has been successful, some relevant initiatives require further attention. The positives and negatives of these research and development initiatives will be considered.
Graham Stewart is Emeritus Professor in Brewing and Distilling at Heriot-Watt University and Special Professor in Bioethanol Fermentation at Nottingham University. He was director and professor of the International Centre for Brewing and Distilling, Heriot-Watt University, from 1994 to 2007. He received his B.S. degree (with honors) in microbiology and biochemistry from the University of Wales, Cardiff, and Ph.D. and D.S. degrees from Bath University. He was lecturer in biochemistry in the School of Pharmacy at Portsmouth University from 1967 until 1969. From 1969 to 1994 he held a number of technical positions with Labatt's in Canada and from 1986 to 1994 was its brewing technical director. He was the president of the Institute of Brewing and Distilling in 1999 and 2000. He is a member of the American Society of Brewing Chemists (ASBC) and the Master Brewers Association of the Americas (MBAA). He holds fellowships in IBD, the Institute of Biology, and the American Academy of Microbiology. He has over 250 publications to his name. Since retiring he has established a consulting company—GGStewart Associates. He was awarded the IBD Horace Brown Medal in 2009, the ASBC Award of Distinction (Excellence) in 2008, the MBAA Presidential Award in 1983 and 1998, the MBAA Award of Merit in 2009, and the Society of Industrial Microbiology Charles Thom Award in 1988.
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